Speeding ticket, any moving violation, or an at-fault accident — in Massachusetts the real cost is five years of insurance surcharge, not the ticket. Add what happened plus anything already on your record and see your true number.
Each surcharge point raises your compulsory and collision coverages by up to 15% under the standard SDIP (211 CMR 134), regardless of how long you've been licensed.
SDIP surcharges apply to the compulsory coverages (Parts 1, 2, 4) and optional Collision (Part 7) — typically most, but not all, of your premium. Use the slider below to refine.
Most Massachusetts CMVIs are 2-point minor violations — speeding, running a light or stop sign, marked-lanes, following too close, even a missing inspection sticker. Majors (OUI, operating to endanger) are 5; at-fault accidents are 3–4.
Massachusetts waives SDIP points for your first minor non-criminal violation in 5 years (211 CMR 134.13). If your record is clean, this ticket's insurance hit is $0 — but a "responsible" finding burns that one-time pass and still counts toward retraining and suspension thresholds.
Add surchargeable incidents from the past 6 years. These stack on top of the new citation and matter for license-suspension thresholds.
Stop estimating. Upload your official Massachusetts driving record — the RMV / Merit Rating Board printout — and we read your real surchargeable history to calculate your exact five-year cost and your true distance from a license-suspension threshold.
This calculator is an educational illustration based on the figures you enter — not an insurance quote, a legal opinion, or a prediction of any outcome. Under the Massachusetts Safe Driver Insurance Plan, each surcharge point increases the compulsory coverages (Parts 1, 2 & 4) and optional Collision (Part 7) by up to 15% (211 CMR 134); your first minor non-criminal traffic violation in the prior 5 years carries no points. Actual premium impact depends on your insurer, coverages, territory, and full record. License-suspension thresholds are administered by the RMV Merit Rating Board and are summarized here for general information only. Confirm details with the Massachusetts SDIP rules and a licensed attorney before relying on them. Using this tool does not create an attorney-client relationship, which forms only on a signed limited-scope engagement. Mass Speeding Ticket is a private law practice, is not a government agency, and is not affiliated with the RMV or the Merit Rating Board. See our Privacy Policy. Attorney advertising.